Equity Release › Can I release equity if I am self-employed?

Can I release equity if I am self-employed?

Yes. Self-employed borrowers can release equity, though you will need to evidence your income, usually with tax returns, or through alternative documentation if your returns are not finalised. The property and serviceability tests still apply.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Being self-employed does not block equity release, it just shapes how income is proven. With full financials you are assessed like anyone else. If your returns are behind, low doc pathways using business statements may work. A broker who knows self-employed lending can match you to a lender that reads your income favourably.

The key points

Self-employed borrowers can release equity.
You evidence income with tax returns or alternatives.
The property and serviceability tests still apply.
A specialist broker helps with income presentation.

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See how much equity you could access

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Check Your Options

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What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

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More equity release questions

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.